Okay. I appreciate that.
I want to end on the note of helping some consumer advocacy here. Here's the other problem. What would you say to those people who lose all their points and all the other things, the trinkets and baubles that are attached to credit cards right now that they have been paying into and sometimes pay fees to get? I know my credit card charges a certain amount to accumulate points. Then they lose all that. All those people lose those points.
Should there be work done so that people accrue those benefits and can transfer them as well? Is that something your organization would support?